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AAA vs. Allstate 2024

Updated Jul 01, 2024

Explore how AAA and Allstate measure up in providing tailored insurance solutions to meet your specific needs


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AAA and Allstate have long-standing reputations as top car insurance companies in the industry. The American Automobile Association, more commonly known as AAA (“Triple-A”), was founded in 1902 in Chicago. The organization now has regional auto clubs across the country, each with a unique selection of services for members, the most recognizable of which is its roadside assistance program. Car insurance policies are only available to AAA members, and policies are underwritten by various AAA auto clubs.

A fellow insurance company with Midwest origins, Allstate was founded in 1931 in Northbrook, Illinois. It is currently the fourth-largest auto carrier by market share. Allstate offers a full suite of insurance products, which may allow consumers to meet numerous insurance needs with just one company. Coverage is available in every state, but product availability may vary.


Our verdict

When it comes to choosing between AAA or Allstate, it’s worth noting that both companies score similarly in terms of customer service, when considering claims satisfaction scores and mobile app ratings. While Allstate is often cheaper, on average, there are several categories where AAA offers lower average premiums. AAA offers robust roadside assistance coverage, but other coverage options and discounts may vary by region. Both carriers may appeal to shoppers with teen drivers on their policy as they both offer driver education resources and potential discounts for young drivers.

AAA vs. Allstate comparison

To compare AAA vs. Allstate, Bankrate’s insurance editorial team looked at more than just price. We analyzed each carrier holistically by evaluating customer satisfaction scores from J.D. Power, financial strength ratings from AM Best, coverage options, available discounts, digital tools and more. Below you can see some of the key pros and cons we identified for each carrier.

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Rating: 3.4 stars out of 5
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Cost & ratings

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If you want a company with a national presence (rather than one that is broken down into regional clubs), you could consider Allstate. The insurer is one of the most well-known in the country and offers a variety of insurance products, with plenty of endorsements and discounts to build the coverage you need. AAA offers more unique perks for members, though, with discounts on attractions and entertainment, travel help and financial products.
Dollar Coin
Multiple reward options
Online Reviews
Strong mobile and online tools
Car Outline
Teen driving training program

AAA pros and cons

  • Regional clubs may have area-specific coverage options

  • Membership or coverage may come with additional perks and benefits

  • Local agents typically available for in-person service

  • Robust roadside assistance coverage available

  • Membership required for coverage

  • Third-party customer service and financial strength ratings depend on individual AAA regional clubs

  • Digital tools may not be as robust as some competitors

  • Coverage options and discounts may vary by region

Allstate pros and cons

  • Offers multiple programs and discounts for potential savings

  • Robust online tools and mobile app

  • Offers a driving training program tailored for teens

  • Scored above average in J.D. Power’s Auto Claims Satisfaction Study

  • Has fewer add-on coverage options compared to many large carriers

  • Some coverage options may be limited by state availability

  • National Association of Insurance Commissioners (NAIC) Complaint Index is above the industry baseline

  • Scored below average in eight out of 12 regions in the J.D. Power’s 2023 U.S. Auto Insurance Study

Is AAA cheaper than Allstate?

When evaluating whether AAA or Allstate provides cheaper rates, it's useful to compare each company’s rates directly. This approach not only offers insights into their performance across different driver profiles, but it also shows how each stacks up against the national average for car insurance. Reviewing the rate table below can help you understand the market positioning for each company and assist you in choosing the insurance company that best meets your needs.

AAA avg. full coverage premium
Allstate avg. full coverage premium
AAA avg. full coverage premium
Allstate avg. full coverage premium
AAA avg. full coverage premium
Allstate avg. full coverage premium
AAA avg. full coverage premium
Allstate avg. full coverage premium
AAA avg. full coverage premium
Allstate avg. full coverage premium
AAA avg. full coverage premium
Allstate avg. full coverage premium

Bankrate's take

In our review, while AAA generally presents lower rates across various categories compared to Allstate, potential policyholders may want to consider the total value, especially since AAA requires a membership to access its insurance products. This membership fee might offset the initial savings on premiums for some customers. Therefore, while AAA’s rates may appear more advantageous, it may be a good idea to evaluate the overall cost and benefits of membership against personal insurance needs and budget constraints. This careful comparison ensures that the chosen insurer not only offers competitive rates but also aligns with broader financial and service expectations.

AAA vs. Allstate: discounts

Most car insurance companies offer at least a few discounts, although the quantity and type may vary drastically between providers. Below are some of the more notable discounts from AAA and Allstate.

Discounts available from both carriers

Both AAA and Allstate offer a range of discounts that can significantly reduce insurance costs for qualifying policyholders. These discounts encourage safe driving practices, reward customer loyalty and provide financial relief for bundling policies or paying premiums in full. It can be beneficial for potential customers to understand these discounts, as they might substantially affect overall insurance expenses.

  • Home and auto bundle: Allstate offers up to a 25 percent discount, while AAA provides up to 16 percent off on auto and up to 22 percent off on home insurance when bundling.
  • Paid in full discount: Both carriers reward customers who pay their policy premium in full with a discount, reducing the overall cost.
  • New car discount: Insuring a new car with either AAA or Allstate may qualify you for a discount, recognizing the lower risk often associated with newer, safer vehicles.

AAA discounts

  • TeenSmart: Teen drivers may be able to sign up for an online driver-training program that helps young drivers learn more about defensive driving, pass an online course and save on car insurance. Qualifying teens may save up to 20 percent.
  • Good student: Students with a 3.0 GPA or higher might earn a discount up to 10 percent.
  • Education and occupation: Certain educational credentials or employment types may earn you a discount.

Allstate discounts

  • New car: If you are the first owner of a brand new car, you may earn a discount on your insurance.
  • Early signing: Policyholders who buy insurance from Allstate at least seven days before the effective date of the policy may save.
  • Safe Driving Bonus: Although not technically a discount, Allstate may reward policyholders with a check for every six months without an accident.

AAA and Allstate telematics programs

Both AAA and Allstate offer usage-based car insurance options. These telematics programs use real-time data from your driving patterns to determine things like how safely and far you drive. Below, we’ve compared the AAADrive and Allstate Drivewise programs.

AAADrive Allstate Drivewise
Device App App
Can it raise your rate? No Yes
Availability Not available in all states/not specified Drivewise savings are not available in CA or AK
Discount Up to 30% Policy discount on enrollment and performance rewards every six months
What it monitors Acceleration, speed, braking, phone use, distance, time of day, route traveled Time of day, speed, braking, distance, idle time, location

AAA vs. Allstate: customer experience comparison

Allstate scored above average in the 2023 J.D. Power Auto Claims Satisfaction Study, while the results for AAA were more mixed. Auto Club of Southern California placed closer to the top of the list, with CSAA and Automobile Club Group scoring below the study average. Both companies also offer well-rated mobile apps to help customers manage policies and claims. It may be important to note that policyholders’ experience with AAA may vary greatly based on the regional club they belong to. For more context, you may want to speak with a policyholder in your area.

AAA Allstate
Apple store 4.6 of 5 4.8 of 5
Google play 4.6 of 5 3.9 of 5
J.D. Power claims satisfaction Auto Club of Southern California: 889/1,000
CSAA Insurance Group: 874/1,000
Automobile Club Group: 848/1,000
882 / 1,000

Customer complaints

The National Association of Insurance Commissioners (NAIC) Complaint Index is a valuable tool for evaluating an insurer's customer satisfaction. It measures the number of complaints an insurance company receives relative to its size, allowing consumers to gauge how insurers compare in terms of service issues on a standardized scale. A score higher than 1.0 suggests a company receives more complaints than average, while a score lower than 1.0 indicates fewer complaints. This index provides a straightforward way for potential customers to assess an insurer's track record in handling grievances, which could influence their decision when choosing an insurance provider.

AAA auto insurance customer complaints

Analyzing customer complaints for AAA auto insurance involves considering the NAIC Complaint Index for various underwriting companies due to AAA’s structure of multiple independent clubs. We focus on three of the largest AAA insurers: Auto Club Property-Casualty Insurance Company, Automobile Club Group and CSAA General Insurance Company. Among these, CSAA General Insurance Company has consistently shown the most positive results. However, across all the mentioned entities, trends suggest a general improvement in how customer grievances are being managed and resolved.

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Auto Club Property Casualty Insurance Company NAIC Complaint Index

Automobile Club Group NAIC complaint Index

CSAA General Insurance Company

Allstate auto insurance customer complaints

Over the past few years, Allstate has demonstrated a trend of improving complaint ratios, which suggests enhancements in customer service and claims handling processes. This trend indicates a decreasing number of customer complaints relative to the company's size, which might suggest increasing satisfaction among policyholders with how their issues are resolved.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze the latest rates in July 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 25-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
Ashlyn Brooks
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance